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Cyber Insurance

Covers financial and legal losses from data breaches, cyberattacks and other cyber security incidents.

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Cyber Insurance FAQS

Do sole traders need cyber insurance?

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Cyber insurance can be worth considering if you use email to take bookings or send invoices, store customer information, take card payments or sell online, or rely on software to run your business. Even small businesses can be affected by phishing, invoice scams, or a locked computer that stops you working.

Does Cyber Insurance cover employee mistakes like clicking phishing links?

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Most policies do cover incidents caused by human error, such as phishing attacks, provided cybersecurity protocols were in place. However, exclusions may apply if negligence is proven.

Is Cyber Insurance necessary for small businesses?

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Yes, small businesses are often targeted by cybercriminals due to weaker security systems. Cyber Insurance helps cover financial losses and regulatory fines in the event of an attack or data breach.

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© 2026 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement.  Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.